[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zijesjenjednou.cz\/kdy-banka-zamitne-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.zijesjenjednou.cz\/kdy-banka-zamitne-zadost-o-uver\/","headline":"Kdy banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","name":"Kdy banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","description":"Jak postupovat, kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br? Existuje je\u0161t\u011b n\u011bjak\u00e9 mo\u017enost, jak nakonec t\u00ed\u017eenou finan\u010dn\u00ed injekci p\u0159eci jenom z\u00edskat? Je zapot\u0159eb\u00ed si \u0159\u00edci, \u017ee podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru v bankovn\u00edm sektoru jsou opravdu p\u0159\u00edsn\u00e9 a sta\u010d\u00ed mal\u00e1 pochybnost ze strany banky a \u017eadatel s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed odejde s nepo\u0159\u00edzenou. Jako jsou tedy nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny,...","datePublished":"2021-01-22","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.zijesjenjednou.cz\/author\/#Person","name":"zijesjenjednou.cz\n","url":"https:\/\/www.zijesjenjednou.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zijesjenjednou.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zijesjenjednou.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_7.jpg","url":"https:\/\/www.zijesjenjednou.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.zijesjenjednou.cz\/kdy-banka-zamitne-zadost-o-uver\/","about":["Pen\u00edze"],"wordCount":391,"articleBody":"       Jak postupovat, kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br? Existuje je\u0161t\u011b n\u011bjak\u00e9 mo\u017enost, jak nakonec t\u00ed\u017eenou finan\u010dn\u00ed injekci p\u0159eci jenom z\u00edskat? Je zapot\u0159eb\u00ed si \u0159\u00edci, \u017ee podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru v bankovn\u00edm sektoru jsou opravdu p\u0159\u00edsn\u00e9 a sta\u010d\u00ed mal\u00e1 pochybnost ze strany banky a \u017eadatel s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed odejde s nepo\u0159\u00edzenou. Jako jsou tedy nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, kter\u00e9 vedou \u017eadatele k ne\u00fasp\u011bchu, a d\u00e1 se jim n\u011bjak zabr\u00e1nit?Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidy, nen\u00ed se tak \u010demu divit, \u017ee jednotliv\u00e9 banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Pro\u010d se tedy najde tolik zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011br a ne\u0161\u0165astn\u00fdch \u017eadatel\u016f, kter\u00e9 se skl\u00ed\u010denou tv\u00e1\u0159\u00ed opou\u0161t\u00ed pobo\u010dky bank? Odpov\u011b\u010f je vcelku jednoduch\u00e1, za v\u0161\u00edm stoj\u00ed p\u0159\u00edsn\u00e1 legislativa. \u010cesk\u00e1 n\u00e1rodn\u00ed banka pravideln\u011b upravuje podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011br\u016f, pokud jim n\u011bkter\u00fd \u017eadatel nevyhov\u00ed, je jeho \u017e\u00e1dost nemilosrdn\u011b zam\u00edtnuta. Banky, i kdyby cht\u011bly, tak zkr\u00e1tka \u017eadateli p\u016fj\u010dit nemohou, ani\u017e by se dostate\u010dn\u011b nep\u0159esv\u011bd\u010dily, \u017ee je schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Pokud by tak banka neu\u010dinila, pozd\u011bji by mohla b\u00fdt smlouva napadnuta pro neplatnost, co\u017e by pro banku mohlo znamenat nedoz\u00edrn\u00e9 n\u00e1sledky. Za zam\u00edtnut\u00edm \u00fav\u011bru tak nehledejte nevst\u0159\u00edcnost bank, ale slo\u017eitou legislativu. Pracovn\u00ed smlouvaJedn\u00edm s kl\u00ed\u010dov\u00fdch faktor\u016f p\u0159i posuzov\u00e1n\u00ed schopnosti \u017eadatele spl\u00e1cet \u00fav\u011br je v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. Pokud \u017eadatel nedisponuje pracovn\u00ed smlouvou na dobu neur\u010ditou, je ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b nebo zkr\u00e1tka nen\u00ed schopen sv\u00e9 p\u0159\u00edjmy dolo\u017eit, je to pro banku ukazatel ned\u016fv\u011bryhodn\u00e9ho \u017eadatele. Hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je jedna z m\u00e1la mo\u017enost\u00ed, jak si i tito \u017eadatel\u00e9 nakonec mohou p\u0159eci jenom p\u016fj\u010dit v\u011bt\u0161\u00ed obnos pen\u011bz. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016fPokud m\u00e1te, by\u0165 jen mal\u00fd, z\u00e1znam v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f, na \u00fav\u011br m\u016f\u017eete zkr\u00e1tka v bance zapomenout.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","item":"https:\/\/www.zijesjenjednou.cz\/kdy-banka-zamitne-zadost-o-uver\/#breadcrumbitem"}]}]